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Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

President Donald Trump will be holding a Friday press conference ahead of a planned trip to the New Jersey area. The president focused his briefing on new production numbers.The president said under the Defense Production Act, new factories and laboratories are being built all over the country to build what America needs to fight the coronavirus pandemic.“Incredible what we’ve been able to do in a short amount of time,” Trump said.He quoted new manufacturing production numbers, showing industrial production rose for the third straight month in the country.The president said we are producing so many ventilators, we are sending them to countries around the world. According to Trump, American companies are producing 400 million more masks than last year.As for a vaccine, three candidates are in Phase 3 trials currently. He said at the press briefing he thought the elderly and those at risk should get the vaccine first, but that he will listen to his experts on that. He said "those lists are being created now," referencing plans for how to distribute the vaccine once it's created. Earlier in the day, media outlets reported Robert Trump, the president's brother, was "very ill."During Friday's press conference, President Trump said he hopes his brother will be all right, but “he’s having a hard time."White House spokesperson Judd Deere says the president is expected to visit his 72-year-old brother at a hospital in Manhattan on Friday. Trump was already scheduled to visit his property in Bedminster, New Jersey, on Friday.There is also a lot of reporting Friday following remarks the president made about opposing funding for the post office.He acknowledged he's starving the Postal Service of funding to make it harder to process an expected surge in ballots he worries could cost him reelection.The president said on Fox Business Network that among the sticking points on a new virus relief package are Democrats’ demand for billions of dollars to assist states in protecting the election and helping postal workers process mail-in ballots.In a series of tweets Friday before his press conference, the president said he is ready to send another round of stimulus checks and additional PPP payments. Responding to a question during his press conference about whether he would approve millions in funding for the Post Office if Democrats gave him what he wanted, he responded, “Sure, If they give us what we want."Democratic rival Joe Biden has likened Trump's actions to sabotage. 2508

Presidential candidate Joe Biden spoke out on Wednesday on the shooting of Jacob Blake in Kenosha, Wisconsin. Blake was shot by police in Wisconsin on Sunday, causing unrest in Kenosha.Two officers from the incident have been placed on administrative leave. But protesters are calling for the officers to be fired and criminally charged for the shooting.Biden confirmed that he has talked to the Blake Family about the shooting.“What I saw on that video makes me sick,” Biden said. “Once again, a black man, Jacob Blake, been shot by the police in the broad daylight, the whole world watching”Biden said he told the Blake Family that “justice must and will be done.”While Biden applauded the protests, he decried the violence surrounding the protests. The violence culminated on Tuesday in the fatal shooting of two people. Police in Illinois arrested a 17-year-old in connection to the shootings.“As I said after George Floyd's murder, protesting brutality is a right and absolutely necessary, but burning down communities is not protest,” Biden said. “It's needless violence. Violence that endangers lives, violence that guts businesses and shutters businesses that serve the community. That's wrong. In the midst of this pain, the wisest words that I've heard spoken so far have come from Julia Jackson, Jacob's mother. She looked at the damage done in her community and she said this, quote ‘This doesn't reflect my son or my family. So let's unite, and heal, do justice, end the violence, and systemic racism in this country now.’Protests are expected to continue in Kenosha on Wednesday. President Donald Trump said that the state’s governor had accepted help from the National Guard, but the state’s governor, Democrat Tony Evers, said that he had not agreed to National Guard assistance, but would welcome federal assistance in a support role. 1859

Ready for a blast from the past?New Kids On The Block announced a tour that will take you back to the 80s. The Mixtape tour will feature special guests Salt N Pepa, Tiffany, Debbie Gibson and Naughty By Nature.The tour will kick off May 2, 2019, in Cincinnati and hit 53 cities throughout the country during the summer of 2019.The tour wraps up in Hollywood, California on July 14.Tickets start at .95 and will go on sale Friday, Oct. 12 at 10 a.m. To celebrate the tour, New Kids On The Block released a new song "80s Baby" featuring the guests on the tour. Listen below:A full list of tour dates can be found below.MAY 2, 2019 US BANK ARENA Cincinnati, OHMAY 4, 2019 QUICKEN LOANS ARENA Cleveland, OHMAY 5, 2019 BANKERS LIFE FIELDHOUSE Indianapolis, INMAY 7, 2019 SPRINT CENTER Kansas City, MOMAY 8, 2019 ENTERPRISE CENTER St. Louis, MO BRIDGESTONE ARENA Nashville, TNMAY 10, 2019 FEDEX FORUM Memphis, TNMAY 11, 2019 SMOOTHIE KING CENTER New Orleans, LAMAY 13, 2019 AMERICAN BANK CENTER ARENA Corpus Christi, TXMAY 15, 2019 TOYOTA CENTER Houston, TXMAY 16, 2019 AT&T CENTER San Antonio, TXMAY 17, 2019 AMERICAN AIRLINES CENTRE Dallas, TXMAY 18, 2019 CHESAPEAKE ENERGY ARENA Oklahoma City, OKMAY 21, 2019 DON HASKINS CENTER El Paso, TXMAY 22, 2019 TALKING STICK RESORT ARENA Phoenix, AZMAY 23, 2019 VIEJAS ARENA San Diego, CAMAY 24, 2019 HONDA CENTER Anaheim, CAMAY 25, 2019 MANDALAY BAY ARENA Las Vegas, NVMAY 26, 2019 HOLLYWOOD BOWL Los Angeles, CAMAY 28, 2019 RABOBANK ARENA Bakersfield, CAMAY 29, 2019 SAP CENTER AT SAN JOSE San Jose, CAMAY 30, 2019 GOLDEN 1 CENTER Sacramento, CAJUNE 1, 2019 TACOMA DOME Tacoma, WAJUNE 2, 2019 MODA CENTER Portland, ORJUNE 4, 2019 TACO BELL ARENA Boise, IDJUNE 6, 2019 VIVINT SMART HOME ARENA Salt Lake City, UTJUNE 7, 2019 PEPSI CENTER ARENA Denver, COJUNE 8, 2019 PINNACLE BANK ARENA Lincoln, NEJUNE 9, 2019 WELLS FARGO ARENA Des Moines, IAJUNE 11, 2019 XCEL ENERGY CENTER St. Paul, MNJUNE 12, 2019 FISERV FORUM Milwaukee, WIJUNE 13, 2019 VAN ANDEL ARENA Grand Rapids, MIJUNE 14, 2019 ALLSTATE ARENA Rosemont, ILJUNE 15, 2019 ALLSTATE ARENA Rosemont, ILJUNE 18, 2019 LITTLE CESAR'S ARENA Detroit, MIJUNE 19, 2019 SCOTIABANK ARENA Toronto, ONJUNE 21, 2019 KEYBANK CENTER Buffalo, NYJUNE 22, 2019 SCHOTTENSTEIN CENTER Columbus, OHJUNE 23, 2019 PPG PAINTS ARENA Pittsburgh, PAJUNE 25, 2019 CAPITAL ONE ARENA Washington, DCJUNE 27, 2019 WELLS FARGO CENTER Philadelphia, PAJUNE 28, 2019 TD GARDEN Boston, MAJUNE 30, 2019 NASSAU VETERANS MEMORIAL COLISEUM Uniondale, NYJULY 2, 2019 PRUDENTIAL CENTER Newark, NJJULY 3, 2019 MOHEGAN SUN ARENA Uncasville, CTJULY 5, 2019 BORGATA EVENT CENTER Atlantic City, NJJULY 6, 2019 HERSHEYPARK STADIUM Hershey, PAJULY 7, 2019 THE PNC ARENA Raleigh, NCJULY 9, 2019 SPECTRUM CENTER Charlotte, NCJULY 10, 2019 BON SECOURS ARENA Greenville, SCJULY 11, 2019 PHILIPS ARENA Atlanta, GAJULY 12, 2019 VETERANS MEMORIAL COLISEUM Jacksonville, FLJULY 13, 2019 AMWAY CENTER Orlando, FLJULY 14, 2019 HARD ROCK LIVE (SEMINOLE) Hollywood, FL 3018

Rep. Louise M. Slaughter, the first female chair of the House Rules Committee and one of the longest-serving Democrats in Congress, died Friday at age 88, her office announced.The dean of the New York congressional delegation had fallen near her D.C. home last week, suffered an injury, and had been hospitalized at George Washington University Hospital.A major fixture in Democratic politics, she was serving her 16th term in Congress.House Democratic Leader Nancy Pelosi said Friday in a statement that she was "heartbroken by the passing of the congresswoman.""In her lifetime of public service and unwavering commitment to working families, Congresswoman Slaughter embodied the very best of the American spirit and ideals. With her passing, the Congressional community has lost a beloved leader and a cherished friend," Pelosi said. "Louise was a trailblazer. ... Her strong example inspired countless young women to know their power, and seek their rightful place at the head of the decision-making table."Slaughter, a microbiologist, won a seat in Congress in 1986 and was known for securing infrastructure money for her district as well as fighting for the troops. Slaughter spent years trying to set safety standards for military body armor after a report revealed that many casualties in the Iraq War had been born of the fact that the protective armor troops were wearing was inadequate.Slaughter was born in Kentucky, and although she relocated with her family to upstate New York, she never lost her trademark southern twang. As the top Democrat on the committee that set terms of House floor debate, she often sparred with her GOP colleagues about policy, often late into the night. But Republicans on the panel respected her and regarded her as a fierce protector of her party's agenda."Louise was a fearless leader, deeply committed to her constituents, and a dear friend," Republican Pete Sessions, the Rules Committee chairman, said in a statement "I have had the immense privilege of working side by side with her for the past 20 years. I will always cherish our friendship, comradery, and of course, her rhubarb pie. Although we sat on different sides of the aisle, I have always considered her a partner and have the utmost respect for her."Slaughter's chief of staff Liam Fitzsimmons released a statement Friday morning on his boss's death."To have met Louise Slaughter is to have known a force of nature," he said. "She was a relentless advocate for Western New York whose visionary leadership brought infrastructure upgrades, technology and research investments, and two federal manufacturing institutes to Rochester that will transform the local economy for generations to come."He added, "As the first chairwoman of the House Rules Committee, Louise blazed a path that many women continue to follow. It is difficult to find a segment of society that Louise didn't help shape over the course of more than 30 years in Congress, from health care to genetic nondiscrimination to historic ethics reforms."In recent years, Slaughter had some health issues, and missed some votes and meetings, but after one absence around the efforts to repeal the Affordable Care Act last year, the senior Democrat returned for the vote, which was expected to be very close, telling CNN, "I wasn't going to miss this one." She noted she was proud to be a part of passing the Democrats' signature health care law in 2009.She was genuinely curious and often stopped Capitol Hill reporters in the hallway to check on what stories they were working on, and offer her own two cents.According to her office, "in 2009, she secured the recall and replacement of 16,000 pieces of unsafe body armor from the front lines. Her effort led to improved armor testing protocols and ended the practice of outsourcing testing to private companies."She also was the author of other pieces of landmark pieces of legislation in Congress, including one that barred members of Congress from insider trading, and was the co-author of the Violence Against Women Act. 4052